It's really convenient to use bitcoin as a mode of payment, just imagine paying your bills using bitcoin. You can save a lot of time compared to falling in a long line and filling out a form just to pay a bill. I think bitcoin is one of the best thing that technology brought to human.
Not sure what country you are from, but you can just have bills automatically be deducted from your bank account. I however read about how certain people in developing countries who are denied a bank account for whatever reason (likely class discrimination) do have to go through that what you mentioned. Maybe you are from such country as well? I don't know how much of a problem it is in developing countries, and don't know what traditional fiat payment services there are available as alternative, but Bitcoin can actually form a great help in that case. If people can accept the volatility when using it to pay for bills with Bitcoin, then it's all fine, but reality mostly turns out to be completely different....
